Form 5500 · Employee benefit plan · CHICAGO, IL
CUSHMAN & WAKEFIELD
The filing calls this plan CUSHMAN & WAKEFIELD U.S., INC. EMPLOYEE BENEFIT PLAN.
CUSHMAN & WAKEFIELD of CHICAGO, IL is a 31,035-participant construction employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-0955234 · plan 502 · plan year 2025, filed Sep 22, 2026
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2,668 other employer plans in Illinois have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 15 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $50,682,919, with $975,444 in disclosed broker commissions — about 1.9% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
LOCKTON COMPANIES, LLC is the broker of record on 1 of the 15 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN, INC. and UNUM LIFE INSURANCE COMPANY OF AMERICA. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 3,224 | Jan 1, 2026 | $23,067,496 | $261,249 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 9,878 | Jan 1, 2026 | $906,342 | $232,754 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 8,703 | Jan 1, 2026 | $1,048,462 | $210,752 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 8,926 | Jan 1, 2026 | $756,345 | $189,340 |
| METLIFE LEGAL PLANS | — | 2,170 | Jan 1, 2026 | $425,898 | $42,862 |
| TRANSAMERICA LIFE INSURANCE COMPANY | — | 579 | Jan 1, 2026 | $300,032 | $28,502 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 33 | Jan 1, 2026 | $64,825 | $9,493 |
| TRIPLE S SALUD, INC. | Health, Dental | 4 | Jan 1, 2026 | $27,320 | $492 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 33,674 | Jan 1, 2026 | $8,206,916 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 925 | Jan 1, 2026 | $5,931,290 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,009 | Jan 1, 2026 | $3,517,172 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 14,299 | Jan 1, 2026 | $2,760,652 | $0 |
| VISION SERVICE PLAN | Vision | 15,486 | Jan 1, 2026 | $1,936,556 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 2,514 | Jan 1, 2026 | $1,408,173 | $0 |
| CURALINC LLC | — | 24,000 | Jan 1, 2026 | $325,440 | $0 |
Premium and claims on these contracts
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3338626. For the contract year on this filing, the carrier reported $23,067,496 in premium earned and $23,747,301 in claims incurred. Dividing one by the other gives 103%.
TRIPLE S SALUD, INC., contract SP0002220. For the contract year on this filing, the carrier reported $27,320 in premium earned and $24,048 in claims incurred. Dividing one by the other gives 88%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3338626 reported $2,235,557 in retention.
- TRIPLE S SALUD, INC., contract SP0002220 reported $492 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Reported to OSHA
Reported to OSHA for 2025: 1,629 employees, 7 recordable cases, 263 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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